Showing posts with label work. Show all posts
Showing posts with label work. Show all posts
Saturday, August 6, 2011
Thursday, August 4, 2011
How Does the PPI work?
When you take a loan, it is likely that you have been bade the payment protection insurance (PPI) on it. It is a variant of insurance that covers your refunds for a year in case of accident, illness or unemployment.
Credit insurance (PPI) in itself is not a bad item. But it was very bad with 1000s of loans sold, leaving many hundreds of payment to cover potentially worthless. Whenever it gives to you, you really might be capable to recover what they paid.
How much does distinctive loan PPI payments?
Usually, the sum you pay for the loan of PPI is approximately fifteen% of your balance, but can be up to thirty%. Does not seem much merely that rises rapidly. On a loan of £ 5000 you pay £ 750 for policy. Look more details in the "How are you going back? Section below.
How come PPI mis sold very often?
The actual profit on sales of loans is often the same products, but the insurance is traded alongside.
There are around twenty million PPI contracts in the United Kingdom generates about five billion pounds per year for the industry. Insurance is nearly always dwarves of interest; it is not surprising that many think it is too expensive most financial products around.
Sales staff arranged as advisors was greatly encouraged to push these items when potential and a lot of were below very much force that they strayed far of the reality. Worse, in June 2008 after a 15-month investigating into PPI found Competition Commission following payments average:
Almost all of this profit goes to the creditors, not the insurance firm. Only positive in all this? This means that cases of mis-selling was gentler to win. Check the achiever stories mentioned above for inspiration.
When you think you have a good business, RECLAIM!
It is worth it to win if you feel you were wrongly sold for £ 1000's back.
Credit insurance (PPI) in itself is not a bad item. But it was very bad with 1000s of loans sold, leaving many hundreds of payment to cover potentially worthless. Whenever it gives to you, you really might be capable to recover what they paid.
How much does distinctive loan PPI payments?
Usually, the sum you pay for the loan of PPI is approximately fifteen% of your balance, but can be up to thirty%. Does not seem much merely that rises rapidly. On a loan of £ 5000 you pay £ 750 for policy. Look more details in the "How are you going back? Section below.
How come PPI mis sold very often?
The actual profit on sales of loans is often the same products, but the insurance is traded alongside.
There are around twenty million PPI contracts in the United Kingdom generates about five billion pounds per year for the industry. Insurance is nearly always dwarves of interest; it is not surprising that many think it is too expensive most financial products around.
Sales staff arranged as advisors was greatly encouraged to push these items when potential and a lot of were below very much force that they strayed far of the reality. Worse, in June 2008 after a 15-month investigating into PPI found Competition Commission following payments average:
- Auto Insurance: 78%
- House Insurance: 54%
- Mortgage PPI : 28%
- Consumer loan PPI: 15%
- Credit card PPI: 11%
In simple terms, this means that for each 100 pounds to the car insurance insurers, who pay 78 pounds in loans PPI paying only 15 pounds, which means it is extremely profitable.
Almost all of this profit goes to the creditors, not the insurance firm. Only positive in all this? This means that cases of mis-selling was gentler to win. Check the achiever stories mentioned above for inspiration.
When you think you have a good business, RECLAIM!
It is worth it to win if you feel you were wrongly sold for £ 1000's back.
Save Money - How Does The Life Insurance Work ?
The life insurance is a method to protect your family if you pass away. For instance, if you're the only breadwinner of a family of 4, your family's insurance would pay a lump total, if you have a early death. This family is saved, and you are able to have peace of mind. When people get aged and have less family, less require to save money for life insurance. Most people quit politics in full before he died, simply at least they're secure once they need that most.
There are 2 kinds of life insurance - term life and entire life. Both have a death advantage, but also are somewhat different. Let's examine one at a time.
The term life insurance is relatively simple secures your life for a number of years, even years ten, twenty or thirty. During the term of years you save money or you pay a every month insurance premium and whenever you pass away, the insurance organization will pay a death profit. After tern is in place, the policy has been completed. It's simple. Who receives the death advantage? Whatever you decide to name as beneficiary, ordinarily your mate, but can also be a parent, kid or business mate. Delivered to beneficiaries tax-free. The term life insurance is cheaper and life insurance premiums are according to some factors, admitting age, home of residence, life-style and general wellness. Be educated to answer other questions and possibly a physical test. After the term of the insurance policy is in place, the contract expires and must obtain a new insurance policy or do without.
The entirely life insurance is dissimilar, that covers all my life until you pay the insurance premiums. It 'much more higher-priced, but generally also a kind of monetary value, which is based on across the years. At other point, you are able to apply the present value of premiums paid, to withdraw the money value or take over against it. That's difficult for you to save money, insurance, whole life is like a pushed savings program. The universal wisdom is which you are better getting a low-priced term life insurance and invest the deviation in cost.
You will find there are many other kinds of life insurance for example universal life, which are combinations of the term life and whole. Naturally, there are many exceptions where the insurer does not pay, then you should understand the insurance policy cautiously prior to buying and get your agent to explain all this details.
There are 2 kinds of life insurance - term life and entire life. Both have a death advantage, but also are somewhat different. Let's examine one at a time.
The term life insurance is relatively simple secures your life for a number of years, even years ten, twenty or thirty. During the term of years you save money or you pay a every month insurance premium and whenever you pass away, the insurance organization will pay a death profit. After tern is in place, the policy has been completed. It's simple. Who receives the death advantage? Whatever you decide to name as beneficiary, ordinarily your mate, but can also be a parent, kid or business mate. Delivered to beneficiaries tax-free. The term life insurance is cheaper and life insurance premiums are according to some factors, admitting age, home of residence, life-style and general wellness. Be educated to answer other questions and possibly a physical test. After the term of the insurance policy is in place, the contract expires and must obtain a new insurance policy or do without.
The entirely life insurance is dissimilar, that covers all my life until you pay the insurance premiums. It 'much more higher-priced, but generally also a kind of monetary value, which is based on across the years. At other point, you are able to apply the present value of premiums paid, to withdraw the money value or take over against it. That's difficult for you to save money, insurance, whole life is like a pushed savings program. The universal wisdom is which you are better getting a low-priced term life insurance and invest the deviation in cost.
You will find there are many other kinds of life insurance for example universal life, which are combinations of the term life and whole. Naturally, there are many exceptions where the insurer does not pay, then you should understand the insurance policy cautiously prior to buying and get your agent to explain all this details.
Wednesday, August 3, 2011
Photographers at Work
This is very funny. (Warning: the second picture down is not workplace/school friendly.)
Posted by: MIKE JOHNSTON, thanks to Sandy R.
Featured Comment by Aleksander a.k.a. Alkos:
Featured Comment by helge.nareid: "Back in the early '80s I spent a year or so doing quality control in a photofinishing plant. One of my tasks was to spool through rolls of prints as they came off the processing machine. During that time I saw a fair cross-section of 'real people' photographs. I've also seen a fair number of the common mistakes, such as the result of taking a photo of a TV screen with flash.
"One roll of 110 film stays with me though. It shows a series of shots of an uninteresting landscape with an out-of-focus ear on one side. Clearly, the photographer shot an entire roll of film holding the camera back to front, which was easy to do with some of those cameras. The entire roll must have been shot at the same time, the landscape did not change significantly through the roll. I'm still wondering what was so important to the photographer that he wanted to expend an entire roll of film.
"These days at least, you don't have to wait for the film to come back from the lab."
Sunday, July 31, 2011
Work at Home Jobs for Moms 2: Blogging
This is the second post in my work at home jobs for moms series.
How much money can you make from online blogging?
There are thousands -- hundreds of thousands, maybe millions -- of "mom bloggers" who share their thoughts and ideas on their blogs. You're reading one of them right now. While most bloggers blog for personal enjoyment or to share their family news with friends, some do it to earn money. And of those who hope to earn from their blogs, only a small percentage actually succeed at building a significant or even part-time income from their work.
What sets the "earners" apart from the "non-earners"? I think there are a few things that increase your chances of making money from a blog:
To start a blog you need to do a few quick things:
Once your blog is online, there are four important things you must do to get your blog off to a great start:
1. Create an "About" page. This is such a key part, but often overlooked by bloggers. Let your readers know who who are, why you're blogging, what ties you have to the topic, and what they'll find on your blog. For example, on my About page I introduce myself, include a picture, explain that I'm a work at home mom who is seeing online success and share my goals as well as topics I'll cover on the blog.
2. Use your blog's header to tell what your blog is about. The blog tagline should be descriptive and convey in a few words what your niche is. As you see, mine mentions "tips on maximizing online income while balancing work, home and family." Visitors get an idea right away as to what type on content they'll find on the blog.
3. Include a short bio of yourself on your main page. Mine is on the top of my left-hand sidebar right now, just a headshot and a caption to give readers a sense of whose articles they are reading when they come to my blog.
4. Find related blogs in your niche and network. Start by commenting on these blogs -- look for busy ones with great content -- and link back to your blog. Link to these blogs from some of your posts when something is especially interesting or helpful. Over time, ask if you can guest blog or if the other blog authors would like to exchange links. You can get some great traffic in the beginning by commenting on many other blogs and having readers follow your hyperlink back to your blog.
The answer to my question at the beginning of this post is ... top bloggers earn thousands every month, and even tens of thousands of dollars, just from one blog.Will yours be next?
How much money can you make from online blogging?
There are thousands -- hundreds of thousands, maybe millions -- of "mom bloggers" who share their thoughts and ideas on their blogs. You're reading one of them right now. While most bloggers blog for personal enjoyment or to share their family news with friends, some do it to earn money. And of those who hope to earn from their blogs, only a small percentage actually succeed at building a significant or even part-time income from their work.
What sets the "earners" apart from the "non-earners"? I think there are a few things that increase your chances of making money from a blog:
- Niche: The theme or topic of your blog needs to be narrow enough that you have a definite focus, yet broad enough that you always have topics on which to write and a large enough audience who cares about the topic.
- Strategy: How will you make money from your blog while helping your audience? If every post is an overt effort to sell something or promote a paid review item, readers will lose interest and profits will be sparse. A good blog monetization strategy considers first and foremost what your audience is looking for and what you can do to help them get the information or things they need.
- Content: Good, original, useful information will draw readers, keep them coming back for more and cause your readers to share your posts through social media online. Dry, stale, redundant posts will have the opposite effect. As a blogger, it's your job to bring fresh, helpful, funny, interesting, or beautiful content to the table whenever you post.
To start a blog you need to do a few quick things:
- Buy a domain name (this should be keyword specific, ie buysilveronline, not marksonlinesite).
- Purchase a web hosting plan (I recommend using HostGator web hosting).
- Install a blog platform (with HostGator, you can install a WordPress theme in a few minutes).
- Start writing.
Once your blog is online, there are four important things you must do to get your blog off to a great start:
1. Create an "About" page. This is such a key part, but often overlooked by bloggers. Let your readers know who who are, why you're blogging, what ties you have to the topic, and what they'll find on your blog. For example, on my About page I introduce myself, include a picture, explain that I'm a work at home mom who is seeing online success and share my goals as well as topics I'll cover on the blog.
2. Use your blog's header to tell what your blog is about. The blog tagline should be descriptive and convey in a few words what your niche is. As you see, mine mentions "tips on maximizing online income while balancing work, home and family." Visitors get an idea right away as to what type on content they'll find on the blog.
3. Include a short bio of yourself on your main page. Mine is on the top of my left-hand sidebar right now, just a headshot and a caption to give readers a sense of whose articles they are reading when they come to my blog.
4. Find related blogs in your niche and network. Start by commenting on these blogs -- look for busy ones with great content -- and link back to your blog. Link to these blogs from some of your posts when something is especially interesting or helpful. Over time, ask if you can guest blog or if the other blog authors would like to exchange links. You can get some great traffic in the beginning by commenting on many other blogs and having readers follow your hyperlink back to your blog.
The answer to my question at the beginning of this post is ... top bloggers earn thousands every month, and even tens of thousands of dollars, just from one blog.Will yours be next?
Work as Dropshipper.
I thought, i can sell anything on internet, so i decided to start to make new blog to sell my goods and stuffs such antique things and others.
And i can reselling other products in internet without pay anything to the seller, cause i want to dropshipper. I thought this is better idea to start with it.
Saturday, July 30, 2011
Protecting Your Work at Home Time & Space
The first objective is to set a schedule for your work hours. Determine what's practical, keeping in mind your ideal time of day (are you a morning bird or does your brain function best at night?) and family schedules. For my situation, it works best for me to work from 5:30-8 a.m. three days a week. I also get some additional work time on other mornings if I'm up early and the kids are sleeping, but three days out of the week, my husband is "on-call" for the kids in the early hours, supervises morning routines and gives them breakfast as I finish up my writing time.
Make sure family members (down to the little ones!) are aware of your planned writing/ working time. Conversely, be fully present for them when you aren't working, minimizing computer time when it's not productive, and your kids will be more respectful of your set work hours.
You'll find that even with a set schedule and plan, you'll need to make an effort almost daily to protect your work at home time and desk/ office area from intrusion, distraction and even your own laziness. To that end, remind family members as needed that you're working, and you'll be able to talk/ help in 10 minutes, an hour -- at your designated stop time. Do not answer the phone while you're doing your work. Do not check your email unless you need something specific for the task at hand.
Keep your work desk neat as a pin -- you will find yourself much more productive when you have a clean, ordered space that feels professional.
Avoiding distractions online -- unnecessary email checking, reading news or forums unrelated to your work at home daily tasks, and other time-wasting traps -- is crucial for your success. Keep yourself on track by writing a short list of items you need to accomplish at your next work session, after finishing the day's tasks and while everything is fresh in your mind.
I keep my daily tasks list in a notebook stored in my top desk drawer. Each morning, I take it out and keep it by my computer as I work, reminding me of what's next and giving me the satisfaction of checking off items I've accomplished.
How do you protect your work at home time and space to increase your writing income?
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